BFL Loan Loss Provision and Operating Expenses
BFL: Business Segments
BAJAJ FINANCE
Consumer
SME
Commercial
BAJAJ
B FINSERV
Rural
Largest consumer
electronics, digital
products & furniture
lender in India
• Presence in 1,368
•
.
locations with 82,950+
active points of sale
Amongst the largest
personal loan lenders
EMI Card franchise of over
24.1 Mn. cards in force
Among the largest new
loans acquirers in India
4.63 Mn in Q1 FY22
Bajaj Finserv - Mobikwik
active wallet users stood
at 20.9 Mn as on 30 June
2021 who have linked EMI
card to wallet
•Bajaj Finserv - RBL Bank
co-branded credit card
stood at 2.13 Mn as of 30
June 2021
Focused on affluent
SM Es with an average
annual sales of around
Rs. 15-17 Crores with
established financials &
demonstrated
borrowing track records
• Offer a range of
working capital &
growth capital products
to SME & self employed
professionals
• Dedicated SME
Relationship
management approach
to cross sell
Wholesale Lending
products covering short,
medium and long term
financing needs of
selected sectors viz.
✓ Auto component and
ancillary
manufacturers
Light engineering
✓ Financial institutions
• Structured products
collateralized by
marketable securities or
mortgage
Financing against
shares, mutual funds,
insurance policies and
deposits
Unique hub-and-spoke
model in 1,745 locations
and retail presence across
24,000+ points of sale
• Diversified rural lending
model with 10 product
lines across consumer
and professional
business categories
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